Inishuwarenzi iyo apo iwe une kurasikirwa kana kuchengetedza kukanganisa kunokonzerwa nenjodzi yakavimbiswa neinishuwarenzi yako. Inishuwarenzi yako inopa kugoverwa uye kubhadhara kune yako nokuda kwekurasikirwa kwakafukidzwa kana kukanganisa kwako kunotsigira nenzira yako iwe uchiita kuda.
Kazhinji Inishuwarenzi Inosanganisira Mitemo Inosanganisira Kunzwisisa Deductible uye Actual Loss
Mimwe mitemo inokosha inogona kukubatsira kuti unzwisise zvimwe zvekuda kwako ndezvipi: chii chakakodzwa , chii chaunenge uchibvisa uye kana chinoshanda kune kurasikirwa kwako (dzimwe nguva deductible inodzinga), uye chii chawakarasikirwa nacho .
Kana iwe uri kunetseka kuti unogona kuona kuti chii chinyorwa chekugovera iwe, ipapo peji yekutaura yehuwandu hweinishuwarenzi ndeyopi iwe uchawana iyi mashoko.
Kuziva zvakawanda pamusoro pemhosva yehushuwarisi, kuti makambani anotora sei inshuwarisi yehushuga uye nzira dzokuisa mari yehushuwarenzi inogona kutora kushungurudzika nekufungidzira kunze kwehutano rematongerwo ehurumende uye kukupa simba kuti uwane mari yaunofanirwa mune yekugadzirisa kudai.
Pasi apa unogona kuwana hutano hwemashoko akazara kuti akubatsire nemitemo yakasiyana-siyana yemishurenzi nemibvunzo, tavagadzirisa nekutaura kwemhando kuitira kuti iwe usvikire kuchikamu chaunoda kuwana ruzivo pakarepo.
Inishuwarenzi Inoshandiswa Zvinyorwa zveKusha uye Zviri MuInishuwarenzi
Zvichienderana nemhando yehushandi yemhosva yauri kuita, iyo nzira ichave yakasiyana. Inishuwarenzi yepaIndaneti uye pfuma yehupfumi yehupfumi yemhosva inobatanidza kusangana nevatsigiri, kugamuchira kubvumira kuongororwa, kugadzirisa, kana kugadzirisa zvinhu.
Chimwe nechimwe chezviito izvi chinogona kuodza mwoyo nekuvhiringidza kana iwe usingazivi chaunotarisira.
Zvinosuruvarisa, mubhizimusi, pane kazhinji kusanganisa kushamwaridzana apo uri kuedza kuwana ruzivo rwaunoda kubva kune yako inshuwarisi kambani munguva yekudaidzira. Nyaya yedu, 10 Matanho: Matambudziko Api Makuru Musha Inishuwarenzi Basa Richakubatsira kuti unzwisise mamwe matanho makuru apo iwe une chikonzero chikuru mumba mako kana kugara.
Imwe nzira yekureva ndeyekuti kudai kuchabhadharwa. Wati wambove uri mumamiriro ezvinhu ekutaura, kana wakanzwa vamwe vachitaura pamusoro pekubhadharwa kwavo kwakabhadharwa mune kudai. Kutanga kwatinoita ndekufunga kana mumwe munhu akabhadharwa kupfuura imwe ndeyekuti vane kambani ye inshuwarisi iri nani, asi izvi hazvina kunaka. Chinhu chekutanga chinotarisa kuti mari yakawanda yaunowana mukutora ndeye rudzi rwehuwandu hwawakasarudza pawakatenga mutemo wako. Nyaya yedu pamusoro pokusarudza imba yakanakisisa, condo kana renter inshuwarisi inosanganisira zvose zvingasarudzwa munzvimbo yako yekugara inshuwarisi.
Kana uine mibvunzo pamusoro pezvichabhadharwa zviri mukati mako kana pfuma yako, izvi zviviri zvingabatsira:
- Unhu Hwako Uri Woga: Kunzwisisa Chii Chinyorwa Zviri Mukati Inishuwarenzi Inobata
- Ndezvipi zvikamu zvakakosha pane zviri mukati memunhu
Zvose izvi zvinyorwa zvinoshanda kumunhu chero upi zvake anogadzira zviri mukati kana kuti pfuma yehupfumi yemhosva yako, izvi zvingave zvakabatana nezviri mukati chikamu cheimba yako inshuwarisi yemhosva, kana iwe paunenge uchitaura semunhu ane renter.
Kana uine zvimwe zvivako panzvimbo yako, chinyorwa ichi chinogona kukubatsira kunzwisisa kuti chikamu chemurairo wako chichati chii kudai kwekuvakwa, uye zvimwe zvivako .
Basis of Loss Settlement: Mhosva ichabhadhara sei?
Muridzi weimba inishuwarenzi anopa mhando dzakasiyana dzekugovera.
Izvo iwe waunayo ichava nemigumisiro inokosha yekuti iwe unobhadharwa zvakadini mune kudai. Dzidza pamusoro pokusarudza inshuwarisi yepamusha yepamusoro uye zvivako zvekuti iwe uwane mari yakawanda mukutsvaga.
Zvechokwadi Cash Value Settlements
Vanhu vane mari chaiyo yemari yekuzvidzivirira kugadziriswa havazogamuchiri mari yakakwana mukutsvaga kuti vatsive zvinhu zvavakarasa. Kana zviri mukati mako kana chivako chiri inshuwarisi pane chaiyo chaiyo yemari yakakosha, ipapo iwe unongowanikwa kukoshesa kwekuwedzerwa panguva yekurasikirwa.
Semuenzaniso wekutanga, funga nezvazvo seizvi: Vheteti yako yeTV ndiyo makore mashomanana, kunyange zvazvo iwe wakabhadhara $ 1000 nokuda kwayo, iyo chaiyo mari inokosha yaro nhasi (kukosha kwakaderera, fungidzira "mutengo pachitengesi chegaraji") zvichida kuva $ 500 panguva yakanakisisa kana ichiri chimiro chitsva uye chakanaka. Ndiyo chaiyo mari chaiyo.
Saka mune chirevo, kana chivakwa chako uye mukati maro zvakangoita inshuwarisi chaiyo yekuti mari yakakosha iwe uchave uri munzvimbo yakaoma zvikuru nokuti haungagamuchiri mari yakakwana kuti utsive zvawakarasikirwa nazvo.
Kuchinja Kwekubhadhara Kwemari
Kudzokorora Mari dzinogadziriswa uye chikonzero chekubhadhara zvikwereti zvinonyanya kukosha kudarika mari chaiyo yekugadzirisa kugadzirisa. Kubhadhara mari yezvokubhadhara zvikwereti zvichakubatsira kuti udzokere mumamiriro ezvinhu iwe waive uripo usati warasikirwa kana dambudziko nekupa kugoverwa kwekugadzirisa kana kutora zvinhu zvinhu zvakachengetwa chero bedzi iwe wakanga uine huwandu hwakakwana panguva yekurasikirwa kubhadhara mari. Izvi zvakanyanya kunaka kupfuura kuwana mari shoma uye kubuda uye kupedza mavhiki "garaji rekutengesa kutenga" kuedza uye kutora zvinhu zvose zvakare, handizvo here?
Kubata Nekugadziriswa Kwekubhadharwa Kwemari: Ndeipi Unowana Mari?
Iko kunobatwa nechinzvimbo chekugadzirisa bhizinesi ndechekuti kambani yako ye inshuwarisi inogona kunge iine sarudzo yekubhadhara chikwereti zvishoma kusvikira wapedza chimwe chinhu. Dzimwe nguva unogona kuzviwana uchitenga chehafu yezvaunoda, kana iwe uchitsiva chinhu chacho, kambani inogona kudzorerazve mamwe mari. Mune dzimwe nguva, makambani einishuwarenzi angasarudza kukutumira kune dzimwe nzvimbo dzekutengesa kuti iwe unosangana pamusoro, uye iwe unotora zvinhu zvako ipapo uye pane dzimwe nguva izvi zvinokudzivirira iwe kuisa mari yacho mberi. Kambani imwe neimwe yakasiyana naizvozvo bvunza vamiririri vomshuwarisi izvo zvinogona kuitwa. Mukutaura kwenjodzi huru, makambani einishuwarenzi akave akazivikanwa kuti anoita zvinhu zviri nyore uye anogona kungokupa cheko kana chekubhadhara mari kuti iwe uitange nezvakakosha nokuti kunyanya munguva dzenjodzi, zvingatora nguva uye vatsigiri vanogona kuva zvine musoro kana zvichidiwa kana iwe ukaramba uchitaura zvakanaka.
Ko kana Kana Imba Yako Kana Chivako Ichitsigirwa Mukutsvaga?
Kune imwe nhamba inotyisa yehupfumi huri pasi pehurumende muUnited States Kana uchida kuziva zvakawanda nezvekuvaka zvikwereti uye nyaya dzakapoteredza pasi pekutendesa, iwe unogona kutarisisa nyaya ino pamusoro pekuti sei chivakwa chechivakwa chakagadziriswa kana kuti chii chaunotarisira paunofanira kuitazve kuvaka mushure mokutaura .
Kugadzirira nekudzikisa Varidzi veimba yako Inishuwarenzi
Kunyora kudai kunogona kupfupika kana kuwedzera kunobatanidzwa zvichienderana nekuti zviduku kana zvakakura zvekutsvaga zvaunoda kuisa. Heano mamwe mazano anobatsira ayo achavimba nekuchengetedza varidzi veimba yako inshumo yekutsvaga kutora hurongwa hwekusununguka.
Nzira Yokugadzirisa Inishuwarenzi Yako Kudai Paunomanikidzwa Kubvisa Imba Yako
Kana uchimanikidzwa kubuda mumba mako nemhaka yenjodzi kutanga kunetseka kwemhuri imwe neimwe ndeyekuti munhu wose ave akachengeteka. Kugunun'una pamusoro pekuparara kwemuvhu kune wechipiri asi zvakakosha kufunga pamusoro pekuti iwe uchaisa sei inshuwalense yako kudai iwe usingakwanisi kuwana imba yako.
Nzira Yokugadzira Kumbani YeInishuwarenzi Yenyu
Apo panouya nguva yekuisa vaiti veimba yako yveshuwarisi, zvinokosha kuti uwane makonkonti akanaka uye akakurumbira. Zvinosuruvarisa, kune vakoratidzi vanopambwa nekutya kwevanhu uye kuzvidya mwoyo kwezvakaitika. Kunyange zvazvo vazhinji vevanhu ava vakatendeseka uye vanoremekedzwa, vamwe havana.
Inishuwarenzi Zvikwereti zveVatengi veCondo: Zvaunoda Kuziva
Condo nevanowirirana pamwe chete vanoda mhando dzakasiyana dzeshuwarisi kuti vagadzirise mamiriro avo chaiwo. Kuti uwane rubatsiro pakunzwisisa inshuwarisi yako yekutengesa mukutaura kana iwe uri muridzi wekodha kana muridzi wemugoverana, unogona kuverenga nyaya ino ine zvikamu zvakasiyana-siyana zvekuchengetedza vadzidzisi vekondomu uye ichakubatsira kunzwisisa kuti vanoita sei kwauri pane kuda : Condo uye Co-Op Essential Insurance Coverage Guide .
Kunzwisisa Condo Association Claim Coverage vs Your Condo Insurance Claim Coverage
Mukuwedzera kune zvakakosha pakugoverana kwevashandi pamwe chete nevatengi vemu-co-op musimboti wepamusoro unofambidzana nekusiyana pakati pekubatanidza kushamwaridzana uye kugoverwa kwako mukutsvaga uye uyo anokwereta chii, nyaya iyo pamusoro pekunzwisisa kurasikirwa kwekuongorora kuongorora kwezvibvumirano zvichabatsira iwe unonzwisisa chii chaunofirwa iwe semudzidzi wekodha kana pane kurasikirwa kuongorora uye kuti inoshanda sei.
Inishuwarenzi Inoshandiswa Kwekushandisa Car Car Inobatsira: Kubatsira Nekutsvaga Mhaka
5 Matanho Okusvitsa Mutemo Wako Wekutsvaga Auto Auto
Nhanho shanu dzinokosha mukudhinda yako auto motokisi kuda kubva kusarudza kana iwe uchifanirwa kufaira kuti utarisire kudanwa kubva kambani yerishuwarenzi, dzidzai matanho aunoda kutora kuti ugobudirira motokari yeruzhinji yemhosva:
Inishuwarenzi Inobatsira Kuti Upenyu nehutano Hwemhosva Zvipiko
Kuwana Upenyu Hwakarasika HweInishuwarenzi
Mushure mokunge munhu waunoda afa, kuisa inshuwarisi yehupenyu inogona kuve yakavhiringidza uye yakaoma, chii chakanyanya kuitika kana iwe uri mubhadhari uye haugoni kuwana mutemo, kana kana iwe usingazivi kana pane imwe chete. Nyaya yedu pamusoro pekuwana inshuwarisi yehupenyu yakarashika ichakupa hupfumi hwaunoda, unogona kuhuwana nayo uchishandisa chikwata chiri pamusoro.
Kana Iwe Uchifanira Kuisa Fomu Yemahofisi eUnited Health Insurance
Dzimwe nguva, kana iwe uchienda kwachiremba kana mumwe mupi wezvechiremba, iwe unogona kuudzwa kuti unofanira kutumira iwe pachako fomu yefomu yehu inshuwarisi. Izvi zvinoreva kuti chiremba kana chirongwa hachikumbire kambani yemishuwarenzi yehutano kubhadhara mari yako uye iwe unofanira kuzviita. Kana iwe uchifanira kuisa yako yehutano inshumo tsumo apa matanho aunoda kutora pamwe nemamwe mazano anobatsira pakuendesa fomu yako yefomu ye inshuwarisi.
Inishuwarenzi Matambudziko Matambudziko: Kana Iwe Unofunga Kuti Zvaunoda Ndiko Kubatwa Usina Hanya
Inishuwarenzi Matambudziko Matambudziko? Kunyangarika Bhizimisi Inowanikwa? Ziva kodzero dzako
State inshuwarisi vemakomisheni vanogadzirisa zviuru zvekunyunyuta gore negore. Zvichemo zvinopesana kubva mukukakavadzana nemakambani einishuwarenzi pamusoro pokuti sei inshuwarisi yemhosva yako yakagadziriswa kune zvinetso zvekutengesa uye kushandiswa kweinishuwarenzi. Kana iwe uchinzwa kambani yako yveshuwarenzi isati yave yakarurama neinishuwarenzi yako kudai kana mutemo, iwe une kodzero yekuisa kukanganisa nehutano inshuwarisi commissioner.